| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| DIGITAL INSURANCE LLC3 | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $17K | $2K | $19K | 6.22% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $19K | $0 | $19K | 6.18% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP | 325 N KIRKWOOD ROAD, STE 300 KIRKWOOD, MO 63122 | METROPOLITAN LIFE INSURANCE COMPANY | $15K | $3K | $18K | 5.95% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $3K | $30 | $3K | 8.87% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $451 | $3K | 7.22% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | — | $264 | $264 | 0.70% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $115 | $0 | $115 | 0.31% |
| CLJM LLC DBA HUNTLEIGH MCGEHEE3 Filed as: CLJM LLC CBA HUNTLEIGH MCGEHEE | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 631051643 | METROPOLITAN LIFE INSURANCE COMPANY | $2K | $0 | $2K | 11.09% |
| DIGITAL INSURANCE LLC3 Filed as: DIGITAL INSURANCE, INC | 200 GALLERIA PKWY SE STE 1950 ATLANTA, GA 30339 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $150 | $2K | 8.16% |
| CENTRO BENEFITS RESEARCH LLC3 Filed as: CENTRO BENEFITS GROUP LLC | 325 N KIRKWOOD RD STE 300 KIRKWOOD, MO 631224042 | METROPOLITAN LIFE INSURANCE COMPANY | $1K | $237 | $1K | 7.52% |
| N-GAGE LLC3 | 7325 JANES AVE WOODRIDGE, IL 605172350 | METROPOLITAN LIFE INSURANCE COMPANY | $5 | $0 | $5 | 0.03% |
| Provider | Services | Address | Compensation |
|---|---|---|---|
| OPTUMRX EIN 33-0441200 ADMIN | Claims processing Service code 12 | — | $296K |
| THE BENECON GROUP, LLC EIN 23-1315351 BROKER | Insurance agents and brokers Service code 22 | — | $52K |
| UMR EIN 39-1995276 ADMIN | Insurance agents and brokers Service code 22 | — | $39K |
| CLJM LLC DBA HUNTLEIGH MCGEHEE BROKER | Insurance agents and brokers Service code 22 | 8235 FORSYTH BLVD STE 1200 CLAYTON, MO 63105 | $26K |
| CONNECTCARE 3 EIN 26-1768616 PATIENT ADVOCATE | Other services Service code 49 | — | $17K |
| PERSONAL ASSISTANCE SERVICES EIN 43-1613278 ADMIN | Plan Administrator Service code 14 | — | $11K |
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 445 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 445 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Dental | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $305K |
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $305K |
| Life insurance | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $305K |
| Short-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $305K |
| Long-term disability | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $305K |
| Stop-loss / reinsurancereinsurance | EVEREST REINSURANCE COMPANY | 278 | $329K |
| Other(3 contracts) | METROPOLITAN LIFE INSURANCE COMPANY | 627 | $362K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 627 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Primary broker changed. Recently changed advisors; vulnerable to a second-look pitch or hostile takeover.
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.